中小企业是我国经济发展中一支最为活跃的力量 ,对促进各地经济增长起着十分重要的作用 ,它不仅改善了地方经济产业结构 ,增加了地方经济总量 ,而且对缓和就业矛盾 ,保持社会稳定 ,起到了不可替代的作用。作为青海省唯一一家地方性股份制商业银行 ,西宁市商业银行将“立足地方 Small and medium-sized enterprises (SMEs) are one of the most active forces in China's economic development and play an important role in promoting economic growth in various places. They not only improve the local economic and industrial structure and increase the total amount of local economy, but also play an active role in easing employment conflicts and maintaining social Stable, played an irreplaceable role. As the only local joint-stock commercial bank in Qinghai Province, Xining City Commercial Bank will be "based on the place